These Terms of Use may be updated from time to time.

1. Ownership of Content

All text, tables, images, calculations, and formatting on this site (including pension calculators and explanatory notes) are the intellectual property of AIRBIOPF and/or the author, unless otherwise stated.

2. Personal Use Only

Visitors may read, download, or print content for their personal, non‑commercial use.

3. No Unauthorized Reproduction
Republishing articles, copying tables, screenshots, or images, or using this content in videos, blogs, or presentations without prior written permission is not allowed.

4. Limited Quotation with Credit
Short excerpts (up to 10% of an article) may be quoted with clear credit and a link back to the original page on this site.

5. Use in Videos and Social Media
Use of this content in YouTube videos or other social media (including reading out articles, using tables, or showing screenshots) requires prior written permission and proper attribution.

6. Reporting Misuse
If you find this content being used elsewhere without credit, please inform us through the contact details provided on this site.

7. Changes to These Terms
These Terms of Use may be updated from time to time. Continued use of the site implies acceptance of the latest version.he latest version.

Copyright Notice

All articles, analysis, calculators, and written material published on this website are the original intellectual property of Vinod Kumar Wadhawan and the AIRBIOPF Forum, unless otherwise stated.
Visitors may share links to our articles for information and public benefit.
However, the following actions are strictly prohibited without prior written permission:

  • Copying full articles
  • Republishing content on YouTube, WhatsApp, Telegram, blogs, or social media
  • Uploading our content to any third‑party platform
  • Reproducing calculators, tables, or analysis in any form
    Short quotations (up to two paragraphs) may be used with clear attribution and a link back to the original article.
    This website may include links to external sources. All rights for such external content belong to their respective owners. We do not claim ownership of external material.
    To request permission or report misuse of our content, please write to:
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  1. Limitation of Liability
    The website owners, administrators, and contributors shall not be held liable for:
  • Errors or omissions
  • Losses arising from use of the information
  • Actions taken based on content published here
    Use of this website is entirely at the user’s discretion.
  1. Changes to Terms
    These Terms of Use may be updated periodically. Continued use of the website implies acceptance of the updated terms.

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